About Us
Cash flow gaps, supplier pressure, or a custom made purchase can stall growth. We arrange second mortgage business loans in Wellington with short term, property secured funding for working capital, stock buys, project bridging, and debt tidy ups.
Our team has deep local experience with short term, property secured lending and we keep the process tight from first call to settlement with risk based pricing that’s higher than bank lending but explained in plain words. We look beyond a single credit score, can consider total lending up to about ninety percent loan to value in strong cases, and focus on structures that actually settle on time.
You get access to residential or commercial property security with combined loan to value ratios that may reach about ninety percent in strong cases, interest only or principal and interest options, the ability to capitalise interest to smooth cash flow, and repayment timing set weekly, fortnightly, or monthly. We are steady on communication, we lay out pricing up front because it’s risk based and higher than bank lending with no published rate range, fees for application, valuation, legal, and other costs are set out in the loan agreement, and early repayment is usually allowed under the contract.
Second mortgage business loans from us cover working capital gaps, urgent supplier or tax payments, stock buys, fit outs, equipment and vehicle purchases, and settlement or refinance bridges, and we accept both residential and commercial property as security while we do not accept rural or lifestyle blocks. We look for minimum monthly turnover of 20,000 dollars, a trading history that matches the loan size from about six months up to five years, enough equity behind the first mortgage, and a clean exit plan because common mistakes like missing documents, weak equity, no repayment path, or expecting bank rates can lead to delays, added costs, pressure from your first mortgage lender, or a decline.
Speak with our Wellington team about second mortgage business loans today. Call or message Wellington Second Mortgage Business Loans for a quick quote and a simple checklist to get started.
Fast Approvals - $20k to $500k
